You’ve finally set a date for your retirement. Congratulations! All those years of long-term planning and saving have paid off. You’ve cleared the retirement homestretch. Now it’s time to relax and put your money worries behind you. Right? Not quite. A solid next step is creating a retirement

Nine Inch Nails: …he formed the electronic group How to Destroy Angels, the members of which included vocalist and multi-instrumentalist Mariqueen Maandig (whom Reznor married in 2009) and British musician Atticus Ross. That band released the album Welcome Oblivion in 2013, and three years later Reznor announced that Ross was a member of…

Bono: U2: How to Dismantle an Atomic Bomb (2004) became U2’s sixth number one album, and by 2006 the group had sold some 150 million albums over its career. With Songs of Experience (2017), its eighth number-one album, U2 became one of the few bands to have…

You’ve heard that a good credit score helps you avoid higher borrowing costs, denied applications, or financial plans going off track. But what if the problem with your score isn’t something you did? What if there’s an error on your credit report—an account you don’t recognize, a late payment you

analytic philosophy: Ordinary language philosophy: …in the posthumously published lectures How to Do Things with Words (1962), set a trend that was followed in a sizable literature in the philosophy of language. Austin took the total “speech act” as the starting point of analysis, and this allowed him to make distinctions based not only upon…

Advertisements for donating that unused car you just happen to have sitting around seem to be everywhere. Whether it’s a public radio station or your favorite charity, lots of organizations have gotten into the “give us your unwanted car” game. And there’s good reason to consider it. Donating an

Joseph Beuys: …one of his best-known actions, How to Explain Pictures to a Dead Hare (1965), Beuys covered his head with honey and gold leaf, wore one shoe soled with felt and one with iron, and walked through an art gallery for about two hours, quietly explaining the art therein to a…

Scott Adams: Dilbert: He also wrote How to Fail at Almost Everything and Still Win Big: Kind of the Story of My Life (2013); Win Bigly: Persuasion in a World Where Facts Don’t Matter (2017), which included his explanation for why Donald Trump won the 2016 U.S. presidential election; and Loserthink:…

Bari Weiss: Career and courting controversy: …she published her first book, How to Fight Anti-Semitism, which provides an overview of different types of antisemitic behavior and suggestions for ways to address it.

Like many things the baby boomers have ushered in during their lifetimes, the rules of retirement—if ever there were any—have changed. Today’s retirees consider this milestone as the first day of the rest of their lives, which could be another 30 years, and are toying with post-retirement jobs or

Barbara Kingsolver: …she published the poetry collection How to Fly (in Ten Thousand Easy Lessons).

If a scammer gains access to your personal information, they could open fraudulent credit accounts in your name—borrowing money or opening credit cards, for example. One swift way to prevent that: Freeze your credit and halt scammers in their tracks. Putting a freeze on your credit is a powerful

Technically, you’re not supposed to touch the money in your 401(k) until you’re at least 59 1/2—and for good reason. Unless you’re in dire straits, it’ll cost you. The IRS charges a 20% tax withholding and a 10% penalty for early withdrawals. Plus, if you spend the money in your 401(k), it’s no

Viola Davis: The Help and How to Get Away with Murder: …in the television drama series How to Get Away with Murder (2014–20), and in 2015 she won an Emmy Award for her performance on that show. Davis assumed a supporting role in Michael Mann’s cybercrime thriller Blackhat (2015). She next headed up a team of supervillains as steely government official…

After a yearslong pause, the federal government resumed collections on student loans in default in May 2025, putting many borrowers at renewed risk of wage garnishment and other consequences. The change followed more than five years of nonenforcement, during which borrowers in default were shielded

Values-based investing aligns your personal values with your financial decisions. It includes “faith-based” investing, where people use their religious beliefs as a financial guide. For others, strong convictions about topics such as the environment may direct how they choose to invest their money.

Investing in art and other collectibles offers some features that traditional stock and bond investing simply can’t: physical appeal and enjoyment. You can admire a painting on your living room wall, play a violin, and wear a watch. Collectible investments are considered an alternative asset class;

Robert Klein: Music and acting: … (2001), Two Weeks Notice (2002), How to Lose a Guy in 10 Days (2003), Ira & Abby (2006), Reign Over Me (2007), The Back-up Plan (2010), and Before I Go (2021). He also made scores of appearances in TV series, including a recurring role Sisters (1993–96).

Maya Angelou: Career in film and television: …as Poetic Justice (1993) and How to Make an American Quilt (1995) and appeared in several TV productions, including the landmark miniseries Roots (1977), which was based on Alex Haley’s 1976 book.

Canadian literature: The cosmopolitan culture of French Canada and Quebec: …nègre sans se fatiguer [1985; How to Make Love to a Negro]); from Brazil, novelist Sergio Kokis (Le Pavillon des miroirs [1994; Funhouse]); from Egypt, poet Anne-Marie Alonzo (Bleus de mine [1985; Lead Blues]); from Lebanon, playwright and novelist Abla Farhoud (Le Bonheur a la queue glissante [1998; “Happiness Has…

Jean Negulesco: Millionaire and Three Coins: …biggest hit in years with How to Marry a Millionaire. The comedy, which was shot in CinemaScope, centres on three women (Marilyn Monroe, Lauren Bacall, and Betty Grable) who scheme to land wealthy husbands, with varying degrees of success. Three Coins in the Fountain (1954) was also a hit, with…

Richard Quine: How to Murder Your Wife (1965) was a deft black comedy starring Lemmon as a man who fantasizes about killing his spouse (Virna Lisi).

Figuring out how to pay for college is among the biggest challenges many families will face. That dream school can become a nightmare if you and/or your child are crushed under the burden of debt payments. If you’re looking for ways to prepare for college costs, we’ve got you covered. Here’s your

John Maynard Keynes: Later works and assessment: …articles on war finance entitled How to Pay for the War (1940; later reprinted as Collected Writings, vol. 9, 1972), and served once more in the Treasury as an all-purpose adviser. He also played a prominent role at the Bretton Woods Conference in 1944. But the institutions that resulted from…

Do all those magazine lists of “retirement-friendly cities” make your head spin? The amenities, the weather, the taxes, and even the number of bookstores all get taken into account. Of course, amenities matter, as do taxes (and bookstores). But when considering where to retire, it might be wise to

Your credit score is a numeric representation of how you handle credit transactions, based on information in your credit report. Once you know how your credit history affects your credit score, it’s time to learn how to improve your score. By understanding which types of debt and other financial

Harold Bloom: …Invention of the Human (1998), How to Read and Why (2000), and Hamlet: Poem Unlimited (2003). He returned to the study of influence, the subject that established his critical reputation, in The Anatomy of Influence: Literature as a Way of Life (2011). In The Daemon Knows (2015) Bloom discussed 12…

comic strip: Comics in Latin America: …leer al Pato Donald (1971; How to Read Donald Duck) by Ariel Dorfman and Armand Mattelart. This was a highly critical Marxist examination of the ubiquitous Disney comic (in the English-language edition of 1975, the subtitle Imperialist Ideology in the Disney Comic was added). This book was a rare example…

If you’re researching mutual funds for your 401(k) plan or browsing investment options through your brokerage account, you’ve likely come across star ratings or a “style box.” Stars and style have nothing to do with movies or fashion, but everything to do with empowering you to become a better

Edgar J. Goodspeed: …the same year, he wrote How to Read the Bible, which became a standard guide for beginning Bible readers. Following his retirement from the University of Chicago, he continued to lecture at the University of California at Los Angeles. A prolific writer, Goodspeed produced a new book of biblical scholarship…

If you’ve just discovered your identity has been stolen, the next steps matter. The work starts right away: securing your credit, disputing accounts, and navigating a system that often places the burden on you to fix the damage. Recovery can take months and require persistence, but a structured

Cryptocurrency scams are constantly evolving and growing more sophisticated, but you can take preventive measures to avoid ever becoming a victim. And if your crypto is stolen, there are ways to recover it. Whether your goal is to recover your crypto or ensure that you never lose any, you need to

Robert Benchley: …Stewed, Fried, and Boiled (1929), How to Sleep (1935; Academy Award for best live-action short film), The Romance of Digestion (1937), and The Courtship of the Newt (1938)—among them. In all, he made more than 40 short subjects and appeared in minor roles and a few supporting roles in some…

Financial Times: …began publishing the lifestyle magazine How to Spend It. In 2015 the Japanese media company Nikkei purchased the FT Group, the holdings of which included the newspaper.

By now, most of us are familiar with online scams. For example, we know to be wary of misspellings in emails and to watch out for robocalls from unfamiliar numbers. But what if something comes from a trusted source? What if the caller ID shows a trusted business, or the “from” email address matches

What do Google (in the 1990s) and Grammarly have in common with Quibi and Jawbone? All four were valued at more than $1 billion at some point in their start-up phases. They were what Wall Street now calls unicorn companies, a term highlighting the statistical rarity of such sky-high valuations for

If you feel like you’re drowning in student loan debt, it’s unlikely that you’re also thinking: “Ooh, I should start investing!” In fact, you might believe you need to get rid of debt before you start investing. But there’s no one-size-fits-all answer when it comes to personal finance. It might

William Wyler: Films of the 1960s of William Wyler: How to Steal a Million (1966), with Hepburn and Peter O’Toole as amateur art thieves, gave Wyler the opportunity to make a romantic caper picture.

Dale Carnegie: How to Win Friends and Influence People: ” Later books include How to Stop Worrying and Start Living (1948), which is primarily a collection of commonsense tricks to prevent stress.

Frank Loesser: …in the 1962 Pulitzer Prize-winning How to Succeed in Business Without Really Trying.

DreamWorks Animation: …Kung Fu Panda (2008), and How to Train Your Dragon (2010). The Curse of the Were-Rabbit (2005), an Aardman film distributed by DreamWorks Animation, won the Oscar for animated feature in 2006.

Gerard Butler: … (2010) and its sequels (2014 and 2019).

F. Murray Abraham: …of the villainous Grimmel in How to Train Your Dragon: Hidden World (2019). His later films included Lady and the Tramp (2019) and The Magic Flute (2022).

The expense ratio of a mutual fund is the percentage of your investment that goes toward fees. It can be found in the fund’s prospectus. The expense ratio is one of the key details about a mutual fund that you can find on most websites and brokerage platforms where you’d purchase one. The expense

Budgeting and looking for ways to trim expenses can feel like a chore, but using tools with artificial intelligence (AI) can make managing your money a little easier and help you make smarter decisions. Whether you’re trying to build a nest egg or just spend more wisely, these tools might help you

Planning for the future means making a lot of assumptions: how much you’ll earn, how long you’ll work, and what your expenses might look like in retirement. Even with clear goals, it can be hard to know where to begin. Tools that use artificial intelligence (AI) can bring some structure to the

In July 2015, a book of Forever stamps cost $9.80. By 2025, it cost $14.60. A classic LEGO brick box that sold for $29.99 in 2015 goes for about $40 in 2025—same bricks, same packaging. The product didn’t get any bigger or better; the value of your dollars just shrank. That’s the erosive power of

Credit cards often present a cautionary tale about what not to do with your money. However, when used wisely, credit cards can offer one of the fastest and easiest ways to build and improve your credit score. Counterintuitive? Not really. Demonstrating to creditors that you can manage a debt load

The Federal Work-Study Program is offered to college students with financial need. Federal dollars are sent to schools, which administer the program. When you review your financial aid package, you’ll find out whether you qualify for Federal Work-Study. As part of the program, you’ll work a set

Your smartphone can be a convenient way to pay for goods and services no matter where you are, allowing you to leave cash and credit cards behind. From sending money to friends when you split a restaurant bill, to using your digital wallet at a grocery store, your phone can make budgeting easier.

SMART is a goal-setting framework that helps you define clear, achievable objectives. Although it’s often used to measure employee performance in the workplace, it can be a useful tool for managing your finances. An acronym, SMART stands for specific, measurable, achievable, relevant, and

Q: How much money do you need to retire? A: As much as possible. That means maximizing the return on your investment dollars throughout your working years. But it also means protecting that nest egg as you enter and live through your retirement years. One of the biggest concerns among retirement

Nearly 43 million individuals in the U.S. have federal student loan debt, adding up to more than $1.6 trillion. For many borrowers, that balance translates into years of monthly payments and a hefty amount of interest. But the federal tax code offers some ways to ease the cost. You may be able to

If you’re like many filers, getting a tax refund can feel like a bonus—especially this year, with refunds running higher than last year. It can be tempting to treat a refund like free money and start spending. But a refund isn’t a windfall in the usual sense. It’s money you overpaid during the year

Earth, the Sun, and the Moon are coming into alignment. A solar eclipse will be happening near you. What do you need to do to view the eclipse safely? The first thing to know is you should not look directly at the Sun. You may think that much of the Sun is going to be covered where you are. Surely,

The northern lights, or aurora borealis, occur when particles from the solar wind interact with atoms in the upper atmosphere. The solar wind particles are protons and electrons. These particles are charged. Most are deflected by Earth’s magnetic field, but some are funneled toward the magnetic

How to Win Friends and Influence People, popular and influential self-help and salesmanship book by the author, radio host, and public-speaking coach Dale Carnegie. Since its original publication in 1936, How to Win Friends and Influence People has sold more than 30 million copies, making it one of

Stanley Fish: How to Write a Sentence: And How to Read One and Winning Arguments: What Works and Doesn’t Work in Politics, the Bedroom, the Courtroom, and the Classroom were published in 2011 and 2016, respectively.

Lucian: …literary criticism is his treatise How to Write History. In this work he stresses the impartiality, detachment, and rigorous devotion to truth that characterize the ideal historian. He also comments on the ideal historical style and provides amusing descriptions of contemporary historians who imitate Thucydides by introducing plagues and funeral…

A guiding principle in investing is to avoid losing so much money (or losing it so quickly) that recovery becomes impossible. Because market risk is a major driver of such losses, investment pros rely on various tools to estimate and manage it. Among these tools, one of the most widely used is

The origin of alcoholic beverages is shrouded in the mists of prehistory, but it is believed that fermentation occurred naturally when yeasts in the air acted on mashed sugar-rich foods such as grapes, grains, and honey. This accidental process likely led early peoples to discover alcohol, as they

Anne Frank and her family were discovered after Dutch informers tipped off the Gestapo, who raided the family’s hiding place on August 4, 1944. The Frank family, along with four other Jewish individuals, had been hiding in a “secret annex” (concealed section) of Otto Frank’s business premises in

Buddhism began in northeastern India in the kingdoms of Magadha and Kosala. The followers of the Buddha began as a community of monks, nuns, and the accompanying laity in northern and central India. Buddhism spread from those beginnings through a combination of missionary work, trade routes, and

The sugary treat cotton candy was invented in Nashville in 1897 by a dentist (yes, a dentist) named William J. Morrison and a confectioner named John C. Wharton. Together, they developed a machine that spun heated sugar into fine threads, creating an airy, cottony confection that became a staple at

Scientists agree that Devils Tower was formed through a fascinating geological process involving volcanic activity and erosion more than 50 million years ago, but they disagree over how this process of formation was actually carried out. One of the most popular explanations is that Devils Tower

Earth’s creation is a fascinating tale of interstellar material coming together to form our planet. It all began around 4.6 billion years ago when a massive cloud of dust and gas, known as the solar nebula, began to collapse under its own gravity. At the center of this collapse, the Sun formed,

Germany was divided into four occupation zones in 1945 after Nazi Germany’s unconditional surrender in World War II. Each zone was controlled by one of the Allied powers: the United States, the United Kingdom, France, and the Soviet Union. The west of the country was administered by the US, the UK,

Isaac Newton didn’t just see an apple fall from a tree. He saw a clue to how gravity works. In 1687, he proposed that the same invisible force pulling the apple to the ground was also keeping the Moon in orbit around Earth. His idea became the basis for what he called universal gravitation, the

Instant ramen was invented by Momofuku Ando in 1958. In his biography, “The Story of the Invention of Instant Ramen” (2002), Ando recalls walking through the streets of Ōsaka after the end of World War II and seeing a long line of people shivering in the cold, waiting for a bowl of ramen. Food

Islam was promulgated by the Prophet Muhammad in Arabia in the 7th century ce. According to tradition, Muhammad received a revelation from the angel Gabriel at the age of 40, marking the beginning of his role as a prophet in the legacy of Abraham, Moses, Jesus, and others. The revelations continued

The idea for what became Mount Rushmore National Memorial was proposed in 1923 by South Dakota state historian Doane Robinson, who wanted to promote tourism. However, it was American sculptor Gutzon Borglum who brought the project to life. Borglum envisioned a grand monument that would symbolize

Niagara Falls was formed over 12,000 years ago as a result of the melting ice from the retreating glaciers at the end of the Wisconsin Glacial Stage, but the rocks that make up the formation date back to more than 400 hundred million years ago. The melting of the Laurentide Ice Sheet released a

Colombian drug lord Pablo Escobar, leader of the Medellín cartel, surrendered in June 1991 and was subsequently imprisoned following an extensive manhunt and parallel negotiations with the Colombian government about his surrender. The massive manhunt by the government—reportedly aided by U.S.

Petroleum was discovered in early times by observing natural oil seeps and later extracted through drilling efforts as technology advanced. Ancient civilizations, including the Sumerians, Assyrians, and Babylonians, noticed oil seeping to the surface as tar-like deposits or thin films on water

Pizza, as we know it today, originated centuries ago in Naples, Italy, where it was crafted as a humble dish for the working class. The classic Neapolitan pizza, known as pizza Margherita, was a thin layer of dough adorned with tomato sauce, mozzarella cheese, and basil. This combination not only

After Saddam Hussein was captured in 2003 during the Iraq War, he was tried before an Iraqi tribunal and convicted. In November 2006 the tribunal found him guilty of crimes against humanity, which included willful killing, illegal imprisonment, deportation, and torture. He was sentenced to death by

Stonehenge was constructed over six stages between 3000 and 1520 bce using a sophisticated post-and-lintel system, with massive stones transported from distant locations and arranged in a precise circular formation. The initial phase of the construction of Stonehenge (located on Salisbury Plain,

The Roman Catholic Church traces its origins back to Jesus Christ and his disciples in the 1st century ce. According to Roman Catholic tradition, Jesus appointed his apostle Peter as the leader of the church. This tradition rests partly on Jesus’ words, “And I tell you, you are Peter [Greek:

The Eiffel Tower was constructed using advanced engineering techniques and a small labor force over a period of about two years from 1887 to 1889. Gustave Eiffel, a noted bridge engineer, designed the tower using his extensive knowledge of metal arch and truss forms. The structure was primarily

The short answer is the hard work of the Colorado River, but the real answer is more complex. About six million years ago, the river began carving its way through the rock layers of the Colorado Plateau. The river’s rapid flow, combined with its load of mud, sand, and gravel cut deep into the

The Great Wall of China was constructed using a variety of materials and techniques, evolving over centuries to become the monumental structure we recognize today. From the 7th through 4th century bce, states like Chu and Qi constructed walls to defend themselves from their rival states. After his

The Liberty Bell—a well-known symbol of freedom, originally commissioned by the Pennsylvania Provincial Assembly in 1751—has cracked multiple times during its history. The bell’s first crack happened almost immediately after its arrival in Philadelphia. Cast in London and delivered in 1752, the

The Mariana Trench was formed through subduction, a process in which one tectonic plate is forced below another. The Mariana Trench is a prime example of a subduction zone, where the Pacific Plate is being subducted beneath the smaller Mariana Plate. As the Pacific Plate is denser and older, it

The construction of the Panama Canal was a monumental feat that was accomplished through strategic engineering, international collaboration, and the overcoming of natural challenges. Initially, the French attempted to build a sea-level canal but faced setbacks, including disease and engineering

The Roman Colosseum was constructed using a combination of innovative engineering techniques and a variety of materials, and stands as a showcase of the architectural achievements of ancient Rome. The construction began under Emperor Vespasian between 70 and 72 ce. The site chosen for the Colosseum

The Statue of Liberty was constructed in France between 1875 and 1884 under the supervision of sculptor Frédéric-Auguste Bartholdi, who began drafting designs in 1870. He and his team hammered 31 tons of copper sheets—each about 0.1 inches (2.4-mm) thick—into shape and assembled them over a

The Statue of Liberty was transported from France to the United States aboard the French frigate Isère. The colossal statue, standing at 151 feet (46 meters) and weighing 225 tons (204 metric tons), was first constructed in France between 1875 and 1884 under the supervision of sculptor

The enforcement of the Thirteenth Amendment in the South was a complex and multifaceted process that involved significant legal, political, and social challenges. Ratified in December 1865, six months after the end of the American Civil War, the amendment abolished slavery in the United States.

The most widely accepted explanation for the origin of the universe is the big-bang theory, which proposes that the universe began approximately 13.8 billion years ago in an extremely hot, dense state. This initial state was not confined to a single point in space but was the state of space itself

When American Civil War hostilities broke out in April 1861, Ulysses S. Grant quickly rose up the Union ranks, advancing from recruitment officer to brigadier general by August of that year. In January 1862 he voiced his concerns about his force’s primarily defensive role and received permission

The city of Venice, spread across an archipelago in the crescent-shaped Laguna Veneta (Venice Lagoon), rests on a vast number of densely packed upright wooden piles submerged in the lagoon’s waters and driven deep into the soft mud and clay below. This remarkable feat of engineering has provided

Joy Harjo: Poetry, tenure as U.S. poet laureate, and other writing: …Poetry and Tales (2000); and How We Became Human: New and Selected Poems (2002). In Conflict Resolution for Holy Beings (2015), Harjo chronicles the joys and struggles of everyday life of Native Americans, beginning with the Trail of Tears, the forced relocation in the 1830s of Eastern Woodlands Indians of…

Ancient Chinese bronzes consist of vessels, tools, weapons, and ceremonial objects cast in bronze, particularly during the Shang (c. 1600–1046 bce) and Zhou (1046–256 bce) dynasties. The bronze was made by melting copper with tin and, occasionally, lead, creating an alloy. The molten bronze was

Scientific understanding of viruses emerged in the 1890s, with the work of Russian microbiologist Dmitry I. Ivanovsky (1892) and Dutch microbiologist and botanist Martinus W. Beijerinck (1898). Both scientists were studying a disease of tobacco plants. Ivanovsky used a filtering method for

There was a time when military service or national security expertise was practically a job requirement for top politicians in the United States. More than two-thirds of U.S. presidents have served in the armed forces, and that doesn’t count those who tried to become president after distinguished

There’s a place today where a rapidly decreasing number of people rely on cash: Sweden. It’s the developed Western country that, today, is probably closest to being a cashless society. Even though an overwhelming majority of businesses accept cash, a very small percentage of consumers actually want

Harlem Hellfighters: The Hellfighters at war: …call to his sweetheart, and “How Ya Gonna Keep ’Em Down on the Farm?” was a playful tune about the appeal of Paris in contrast to life at home. The latter song carried a subtle political undertone: How could returning African American soldiers be expected to accept lynchings, institutional racism,…

When embarking on a new business initiative—a merger, joint venture, or new product line, for example—many companies begin with a classic strategic planning tool called SWOT analysis. An acronym for strengths, weaknesses, opportunities, and threats, SWOT is designed to help companies gain a

Divorce can be complicated on many fronts—emotional, legal, and financial. And the financial side often presents itself in unexpected ways, especially at tax time. How you and your ex divide assets, handle alimony, and decide who claims the kids can all affect how much you owe or how big your

Howard, county, central Maryland, U.S., bordered by the South Branch Patapsco River to the north, the Patapsco River to the northeast, and the Patuxent River to the west and southwest. The county is bracketed by Patuxent River State Park in the west and Patapsco Valley State Park in the east.